Financial Highlights

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Financial Highlights
2020 FQ2 YTD
12/31/2019
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
Balance Sheet ($000)
Total Assets 3,470,232 3,476,178 3,304,169 3,206,533 2,717,677
Total Net Loans 2,650,565 2,701,936 2,510,665 2,335,926 1,817,322
Total Deposits 2,557,769 2,327,257 2,196,253 2,048,451 1,802,696
Equity Attributable to Parent Company 416,995 408,896 409,242 397,647 359,976
Total Equity 416,995 408,896 409,242 397,647 359,976
Profitability (%)
Net Income($000) 17,995 27,146 8,235 11,847 11,456
Net Income Attributable to Parent($000) 17,995 27,146 8,235 11,847 11,456
ROAA 1 0.80 0.25 0.40 0.42
Core ROAA 1.04 0.84 0.87 0.63 0.49
ROAE 8.72 6.62 2.05 3.14 3.16
ROATCE 9.59 7.50 2.77 3.85 3.86
Core ROAE 9.02 6.94 6.98 4.91 3.72
Net Interest Margin 3.30 3.43 3.46 3.49 3.37
Reported: Net Interest Margin 3.30 3.43 3.46 3.49 3.37
Efficiency Ratio 64.68 66.28 66.96 71.60 75.77
Noninterest Inc/ Operating Rev 23.62 17.64 15.66 14.69 14.74
Balance Sheet Ratios (%)
Loans/ Deposits 99.87 116.24 115.01 114.79 101.67
Securities/ Assets 5.27 4.81 5.96 7.45 8.47
Total Equity/ Total Assets 12.02 11.76 12.39 12.40 13.25
Tangible Equity/ Tangible Assets 11.32 11.04 11.58 11.50 12.61
Tang Common Equity/ Tang Assets 11.32 11.04 11.58 11.50 12.61
Asset Quality (%)
NPAs/ Assets 0.89 1.05 1.08 1.47 1.94
NPA Excl Restructured/ Assets 0.45 0.38 0.44 0.62 0.90
NPAs & 90+ PD/ Assets 0.89 1.05 1.08 1.47 1.94
NPAs/ Loans & REO 1.16 1.34 1.41 1.99 2.86
Nonaccrual & 90+ & OREO/ Assets 0.45 0.38 0.44 0.62 0.90
NPAs & 90+ PD/ Loans & REO 1.16 1.34 1.41 1.99 2.86
NPA & Loans 90+/ Tangible Common Equity + LLR 7.51 9.05 8.96 12.18 14.59
NCOs/ Avg Loans (0.01) 0.20 0 0.01 0.06
Loan Loss Reserves/ Gross Loans 0.82 0.79 0.83 0.90 1.16
Reserves/ NPAs 71.25 58.87 58.75 44.98 40.37
Loan Loss Provision/ NCO NM 106.92 0 0 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 383,861 374,729 372,188 342,664 317,258
Tier 1 Capital($000) 383,861 374,729 372,188 342,664 317,258
Tier 2 Capital($000) 22,486 21,884 21,515 21,605 21,747
Total Capital($000) 406,347 396,613 393,703 364,269 339,005
Total Risk-weighted Assets($000) 3,176,120 3,071,681 2,869,085 2,622,746 2,204,381
Tier 1 Common Capital (CET1) Ratio(%) 12.09 12.20 12.97 13.07 14.39
Tier 1 Ratio(%) 12.09 12.20 12.97 13.07 14.39
Total Capital Ratio(%) 12.79 12.91 13.72 13.89 15.38
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.74 10.89 11.45 11.13 11.78
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,664,384 17,984,105 19,041,668 18,967,875 17,998,750
Avg Diluted Shares(actual) 17,660,687 18,393,184 18,726,431 17,956,443 17,606,689
Basic Book Value per Share 23.61 22.74 21.49 20.96 20
Book Value per Share, As Reported 23.61 22.74 21.49 20.96 20
Basic Tangible Book Value per Share 22.06 21.17 19.91 19.23 18.90
Tangible Book Value per Share, As Reported 22.08 21.20 19.96 19.37 19.05
Common Dividends Declared per Share 0.13 0.18 0 0 0
EPS after Extra 1.01 1.46 0.44 0.65 0.65
EPS after Extra Growth(%) 20.20 231.80 (32.30) 0 54.80
Core EPS 1.05 1.53 1.51 1.02 0.77
Core EPS Growth(%) 17.90 1.30 48.20 32.60 8.70
Diluted EPS before Amortization 1.05 1.57 0.58 0.81 0.82
Pre-Provision Earnings per Share 1.03 1.69 1.48 0.87 0.61
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